/* B3.13.0 Insights / Authority content. Scoped to bx-article and bx-insight components. */
.bx-article-hero{background:#f3f6f8;border-bottom:1px solid #d8e0e7}
.bx-article-hero-inner{padding:55px 0 61px;max-width:1240px}
.bx-breadcrumbs{display:flex;align-items:center;gap:10px;flex-wrap:wrap;font-size:12px;color:#526171;margin-bottom:37px}
.bx-breadcrumbs a{color:#0d4b7d;text-decoration:underline;text-underline-offset:3px}
.bx-article-hero h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(34px,4.2vw,57px);line-height:1.15;font-weight:400;letter-spacing:-.03em;max-width:920px;color:#081b2b;margin:12px 0 18px}
.bx-article-dek{font-size:clamp(17px,1.7vw,21px);line-height:1.62;max-width:950px;color:#3e5161;margin:0}
.bx-article-tags{display:flex;flex-wrap:wrap;gap:9px;margin-top:25px}
.bx-article-tags span{font-size:11px;letter-spacing:.04em;font-weight:600;color:#476176;border:1px solid #c7d4dd;padding:7px 10px}
.bx-article-layout{display:grid;grid-template-columns:minmax(0,780px) minmax(220px,310px);gap:80px;align-items:start;padding-top:55px;padding-bottom:45px}
.bx-article-main{min-width:0}
.bx-article-section{padding:0 0 31px;margin:0 0 31px;border-bottom:1px solid #e2e8ed}
.bx-article-section h2,.bx-article-related h2{font-family:Georgia,"Times New Roman",serif;font-weight:400;letter-spacing:-.025em;font-size:clamp(26px,2.8vw,36px);color:#081b2b;line-height:1.22;margin:0 0 18px}
.bx-article-section p,.bx-article-main .bx-example p{font-size:16px;line-height:1.77;color:#33495a;margin:0 0 18px;max-width:76ch}
.bx-article-section p:last-child{margin-bottom:0}
.bx-label{font-size:10px;letter-spacing:.14em;font-weight:800;color:#9b6b40}
.bx-step-list{list-style:none;counter-reset:bxstep;padding:0;margin:25px 0 0}
.bx-step-list li{counter-increment:bxstep;position:relative;padding:0 0 19px 50px;margin:0 0 23px;border-bottom:1px solid #e3e9ee}
.bx-step-list li:before{content:counter(bxstep,decimal-leading-zero);position:absolute;left:0;top:2px;color:#b37742;font-weight:800;font-size:14px}
.bx-step-list li:last-child{border-bottom:0}
.bx-step-list h3,.bx-faq-item h3{margin:0 0 6px;font-size:17px;color:#102a3d;line-height:1.35}
.bx-step-list p{font-size:15px;margin:0}
.bx-article-main .bx-notice{padding:14px 17px;background:#f3f6f8;border-left:3px solid #b37742;font-size:14px;line-height:1.6}
.bx-example{padding:32px;background:#f3f6f8;border-top:3px solid #b37742;margin:0 0 42px}
.bx-example h2{font-family:Georgia,"Times New Roman",serif;font-size:27px;font-weight:400;line-height:1.3;margin:10px 0 14px}
.bx-faq-item{padding:14px 0 20px;border-top:1px solid #e3e9ee}
.bx-faq-item h3{font-size:17px}
.bx-faq-item p{font-size:15px}
.bx-article-disclosure{font-size:13px;line-height:1.65;border:1px solid #d6e0e7;padding:18px;color:#536777;background:#fafbfc}
.bx-article-sidebar{position:sticky;top:22px;display:flex;flex-direction:column;gap:17px}
.bx-sidebar-panel{border:1px solid #d8e0e7;padding:26px;background:#fff}
.bx-sidebar-panel h2{font-family:Georgia,"Times New Roman",serif;font-size:25px;line-height:1.23;font-weight:400;margin:14px 0}
.bx-sidebar-panel p{font-size:14px;line-height:1.7;color:#526171}
.bx-sidebar-panel a{display:block;color:#0d4b7d;text-decoration:underline;text-underline-offset:4px;font-size:14px;font-weight:700;margin-top:17px}
.bx-sidebar-minimal{background:#faf9f6}
.bx-article-related{border-top:1px solid #d8e0e7;padding:25px 0 65px}
.bx-related-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.bx-related-grid a{display:flex;flex-direction:column;gap:12px;min-height:190px;border:1px solid #d8e0e7;padding:24px;transition:background .15s}
.bx-related-grid a:hover,.bx-insights-card:hover{background:#f3f6f8}
.bx-related-grid a span,.bx-insights-card span{font-size:11px;letter-spacing:.12em;font-weight:700;color:#956b44}
.bx-related-grid a strong,.bx-insights-card strong{font-family:Georgia,"Times New Roman",serif;font-size:23px;font-weight:400;line-height:1.3;color:#102a3d}
.bx-related-grid a em,.bx-insights-card em{font-style:normal;margin-top:auto;font-size:13px;color:#0d4b7d}
.bx-home-insights{padding:55px 0 60px;background:#f3f6f8}
.bx-home-insights-head{display:flex;justify-content:space-between;align-items:end;gap:25px;margin-bottom:25px}
.bx-home-insights-head h2{font-family:Georgia,"Times New Roman",serif;font-size:clamp(28px,3.1vw,42px);font-weight:400;line-height:1.2;margin:9px 0 0}
.bx-home-insights-head p{max-width:500px;color:#526171;line-height:1.6;margin:0}
.bx-insights-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:15px}
.bx-insights-card{display:flex;flex-direction:column;gap:13px;padding:25px;border:1px solid #d1dbe3;background:#fff;min-height:205px}
.bx-insights-card strong{font-size:22px}
.bx-service-insight{background:#f3f6f8;border-top:1px solid #d8e0e7;border-bottom:1px solid #d8e0e7}
.bx-service-insight .wrap{padding-top:26px;padding-bottom:26px}
.bx-service-insight a{color:#0d4b7d;font-weight:700;text-decoration:underline;text-underline-offset:3px}
.bx-service-insight p{max-width:850px;color:#526171;font-size:14px;line-height:1.6;margin:8px 0 0}
@media(max-width:940px){.bx-article-layout{grid-template-columns:1fr;gap:0;padding-top:35px}.bx-article-sidebar{position:static;display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:10px 0 25px}.bx-insights-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:650px){.bx-article-hero-inner{padding:34px 0 39px}.bx-breadcrumbs{margin-bottom:22px}.bx-article-hero h1{font-size:35px}.bx-article-dek{font-size:17px}.bx-article-layout{padding-top:28px}.bx-article-sidebar{grid-template-columns:1fr}.bx-related-grid,.bx-insights-grid{grid-template-columns:1fr}.bx-home-insights-head{display:block}.bx-home-insights-head p{margin-top:12px}.bx-step-list li{padding-left:42px}.bx-example{padding:22px}.bx-insights-card{min-height:165px}}

/* Approved B3.13.0: author and hub */
.bx-article-byline{display:flex;align-items:center;gap:13px;margin-top:20px;font-size:13px;color:#526171}.bx-article-byline img{width:52px;height:52px;object-fit:cover;border-radius:50%}.bx-article-byline strong,.bx-article-byline span{display:block;line-height:1.6}.bx-article-byline a,.bx-sources a,.bx-hub-link a{color:#0d4b7d;text-decoration:underline;text-underline-offset:3px}.bx-sources ul{margin:10px 0 0;padding-left:21px;line-height:1.75}.bx-sources li{margin-bottom:9px}.bx-hub{padding-top:54px;padding-bottom:70px}.bx-hub-category{margin-bottom:55px}.bx-hub-category h2{font-family:Georgia,"Times New Roman",serif;font-weight:400;font-size:clamp(27px,3vw,39px);margin-bottom:21px}.bx-hub .bx-insights-card p{font-size:14px;line-height:1.65;color:#526171;margin:0 0 12px}.bx-hub-link{margin:0 0 21px}

/* B3.13.0 visual QA refinement: Insights Hub only. Homepage stays on its 3-column layout. */
.bx-hub .bx-insights-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}
.bx-hub-category>h2{max-width:none;margin:0 0 22px;line-height:1.18}
.bx-hub .bx-insights-card{min-height:235px;padding:30px;gap:15px}
.bx-hub .bx-insights-card strong{font-size:clamp(22px,2.4vw,28px)}
@media(max-width:650px){.bx-hub .bx-insights-grid{grid-template-columns:1fr;gap:16px}.bx-hub .bx-insights-card{min-height:190px;padding:22px}.bx-hub-category>h2{font-size:clamp(26px,7vw,34px)}}